Coffee heat rising

The Least of God’s Creatures

Ever wonder where God is, and why She isn’t taking care of the least of Her creatures?

There are people out there, my friends, who are the least of God’s creatures. The “least” are not amoebae or viruses or organic molecules dwelling on comets floating around in space. The least of God’s creatures are human beings who should be cared for and should if cared for properly be able to care for themselves. Maybe.

Yesterday I had the privilege and the sorrow of  encountering one of the Least, God help her…if only God would be bothered.

I’d had to drive halfway to Yuma to attend a meeting on the far west side of the Valley. On the way out there, apparently I had a reaction to an allergy medicine I’d swallowed after swilling an entire pot of very strong coffee. After nearly passing out while cruising across a surface street at 50 mph, I’d taken refuge in a parking lot where some construction workers were holding forth. When I recovered enough to move the car, I moved it closer to where the men were working, thinking I might need someone else’s help, and when I did that, I drove over the curb around an empty planter bed, hitting both wheels on the right side fairly hard. But the car seemed OK, and the guy I ended up talking to thought it would be fine.

The phenomenon subsided, and since I was more than halfway to my destination, I figured I could get there faster than I could by going home, and there would be people there who could help if need be.

After the emergency flashers had been going so melodramatically, the turn signals stopped working. At least, I put it down to something having to do with the emergency flashers — it wasn’t the first time a turn signal failed, although both of them had never gone out at once. Oh well.

Park, go in, spend three hours in the meeting, and feel OK except for a slight headache and a couple of mild dizzy spells. The meeting breaks up, and I jump into my car and start the long drive home.

About a mile down the road, my car stops dead in the left turn lane of a major intersection. It’s DEAD dead. No response at all from the ignition switch.

The police come and two burly cops push my car out of the traffic and park it in a bus pull-out. I cannot for the life of me make my cell phone thingie work well enough to reach the insurance company’s roadside assistance feature, so one of the cops calls on his much fancier cell.

We’re told a tow truck will arrive in 30 minutes. He arranges for them to meet me in a QT across the road, since it’s over 100 in the sun and he’s very skeptical about the 30-minute promise. He says it usually takes about an hour for a tow truck to show up.

An hour later…two hours later…

My son gets wind of this and drives all the way out to the west side to babysit me — it’s twenty miles. He’s an insurance guy himself, so he attempts to negotiate their roadside service by phone.

Long story short: we end up waiting FIVE HOURS for the tow truck to show up. Hilariously enough, the towing company calls itself “About Time” Towing.

There’s no seating in the QT, and it’s nonstop crowded and hectic. So he decides we should wait in his car, despite the heat — he will run the AC for a few minutes at a time. He backs the vehicle, a crossover type Ford, into a space in a row of empty spaces on far border of the lot, where we can see my car across the gigantic intersection, lest the tow guy go there instead of the QT and lest the city come and try to impound it.

We sit there for quite a while, the only car in this empty row of parking. The sun goes down.

After dark, along comes an old junker of a pickup with a camper shell on the back, jam-packed with junk. The occupants park it right next to us, even though the entire row is empty.

They sit there for about 20 minutes. Eventually, they both climb out of the truck through the passenger door — on my side of our car.

When they get out, we can see these two people are in pretty bad shape. The woman in particular is a wreck: she looks like she hasn’t bathed in two weeks. Her hair is filthy, and her threadbare clothes barely hang on her scrawny body. She’s listless and looks exhausted.

I wonder if they’re homeless, living out of their truck — though with all the stuff crammed in the back, it doesn’t look like there’s  room to sleep in it. He thinks it’s possible, and remarks that Walmart allows the homeless to sleep in their parking lots: maybe QT does, too. Besides, the guy has on a workman’s uniform. I think the Walmart thing applies just to RVs; he points out that their truck could sort of qualify for that. And the guy could have found the “uniform” (it doesn’t look like that to me) at Goodwill. Besides, in Arizona plenty of working-class jobs don’t pay enough to keep a roof over your head.

They walk off into the field behind us and disappear into the darkness.

My son figures they’ve gone off to do some drugs. I think they’ve gone to meet a dealer and score some dope, because they seemed to be waiting for the right time to set out.

When they get back, it’s clear my son is right — maybe both of us are right.

Now they sit on the ground, hiding between the two cars. It’s like we’re in a bathysphere, looking out on some strange creatures in an alien environment. The guy is speeding, babbling on and on in a loud voice. The woman is wilted. She just sits there curled in a ball, her head down and her stringy, dingy hair flopped over her face.

It’s impossible to put that abject woman out of one’s mind. I can’t even describe how destroyed she seemed to be.

The man, a big, tough-looking guy with a shaved head, at least looked reasonably clean and healthy.  On one occasion he appeared to try to help her — eventually they climbed back in the truck, and since she got in first he had to try to settle her into the driver’s seat. But in fact, his definition of helping her entailed keeping her company in getting high.

Finally, a little after 8 p.m., along comes the tow truck driver: another of God’s neglected creatures. We decide to have him tow the car to my house, since I don’t know whether Chuck the Wonder-Mechanic has space to park vehicles after hours. I don’t think so, though.

This shifty little guy is one of those folks who’s so dumb you wonder how they learned to tie their shoe laces. But cheerful. Cheerfully dumb.  He manages to haul the Dog Chariot the twenty miles back to my house without breaking anything obvious. Once we got back here, I have a chance to chat with him and realize that he’s not only child-like but also behaves as though he’s high.

That, I suppose, explains something about why he was 4½ hours late.

By the side of the road, Tow Dude has found one of those ball-point pens that have a tiny flashlight in one end.  So tickled is he with this prize that he shows it off like a proud little boy, waving it around and clicking it on and off. But he’s not a child: he’s a man in his mid- to late twenties. But this one at least has a job: average pay $26,000; median pay $30,000. Not enough to put much of a roof over your head…but a roof.

Welp, tomorrow is going to be another Day from Hell, especially if I have to go out and buy a car. And so, to bed…

Some “vacation”…

 

 

Important Steps to Improve your Finances

The level of credit card debt in the USA is worrying to say the least. It is at its highest for years and remembering the misery of the years of recession it is quite surprising that people are apparently comfortable to carry such debt, especially when real estate values have lost some years of growth. Cards are convenient and when used properly also provide rewards to encourage loyalty but the level of interest charged on balances that remain outstanding at the month end questions how sensible consumers are with their use.

Worrying Figures

As the recession was coming to an end the Federal Reserve Bank of Boston suggested that over 70% of adults had at least one credit card. In 2014 figures show that the average American has 2.6 credit cards which is actually down from the pre-recession average. Almost a third have 5 cards or more. Even though the average number of cards has dropped that does not mean that debt has fallen as well. In the final quarter of 2015 the average card debt per household was creeping towards $8,000, the highest level since 2009 when the effects of recession had cut people’s access to other forms of credit.

If you read this and see your situation as being out of control or reaching that point,  you need to give your position some thought. The first quarter of any year when tax refunds are available often paints a better picture, but then through the next three quarters debt tends to rise. Mid-year holidays and Christmas spending are just two of the reasons card debt rises in the third and fourth quarter. The overall total debt in the final quarter of 2015 incidentally was $52.4 billion. If there is any good news, it is that high as the interest rate charged is at least general interest rates remain low. Indeed, those keen to sort out their debt can get very competitive personal loans to pay off their card debt and merely pay back the installments for the full term of the loan.

Take Action

If you are beginning to worry, then you need to curb your spending in order that you are not overspending. If you clear your card debt with a loan you cannot immediately begin to build up your debt once again. You should only spend when you can pay the full statement amount in full each month. That requires self-discipline and a budget that ensures your finances show a surplus each month, the larger the better.

You need a budget written down that shows all your financial activity. That means even your small dollar spending each day, because over a month that adds up. You can anticipate when your regular bills are going to arrive and therefore aim to get your cash flow in order so that you can meet them. Your budget needs to be under review constantly so it always reflects what is actually happening.

  • Your credit score should be important to you. It is something that potential employers may even refer to if you are applying for a job. Your score reflects your history as well as the available credit you have and of course your existing debt.
  • Covering your monthly expenses must be your aim as a minimum. Even if at this stage you have no emergency fund you cannot avoid financial problems if you are overspending. You should look to see if there are some obvious savings that you can make such as cheaper utilities or insurance. Those savings may help towards an emergency fund.
  • If you need and want a loan then look at interest rates and apply accordingly.

Debt does not disappear if you ignore it. In some cases you can negotiate some relief; creditors may feel that the fact that you are prepared to talk means you are taking your finances seriously. The only time that a credit card can help your finances is if it is used sensibly. That means not spending on something you cannot afford even if it appears a bargain. By the time you have paid for it in full the interest that will have been applied is actually the true picture.

—Friends of FaM

GONE FISHIN’: Solar Stoves, Rocket Stoves, and Frugalism

Funny is on vacation. In the interim, enjoy one of the high points from the early days: a classic post from 2008.

***

Okay, so Armageddon is here and the power has gone out…permanently. Your shiny glass-topped stove doesn’t work, neither does the oven, and you have to cook all those pizzas in the freezer before they spoil! What’re you gonna do?

That’s easy: whip out the tinfoil and a couple of cardboard boxes, and build yourself a solar oven! Alternatively, you could build an oven that uses sticks of scrap wood for fuel.

Solar and Rocket Stoves: Survival Gear…Frugal Extreme…or Just Going Green?

BTW, comments on older posts are closed, by way of beating back the spam storm. But your comments ARE welcome — come on back here to exchange conversation.

 

Drat! I hit “publish” instead of update. Ooohkayyy….consider this tomorrow’s post! 😉

GONE FISHIN’: The Joy(?) of DIY

Funny is on vacation. In the interim, enjoy one of the high points from the early days: a classic post from 2008.

***

When my son reached grade-school age, we moved out of a very elegant house in a gentrified inner-city neighborhood in search of a functional school district and fewer transients. Though the new-to-us house, a custom-built 1950s rancher, was in a far tonier area than the one we left behind, all that proved was that the rich spend much of their time at Junior League and Men’s Arts Council and little of their time cleaning house or supervising their housekeepers. The place was filthy, smelly, and run-down…

The Great De-Wallpapering Adventure

BTW, comments on older posts are closed, by way of beating back the spam storm. But your comments ARE welcome — come on back here to exchange conversation.

Goin’ Fishin’…

I need a vacation.

This is crazy. At five in the morning, EVERY morning, Ruby the Corgi Pup whines me out of the sack. After letting the dogs out, I sit down in front of the computer to answer the email and read the news and finish off what I imagine will be about ten or fifteen minutes of some client’s project.

Two hours later… Yeah: invariably, two hours later, at 7 a.m., I shake off the computer-induced hypnosis, get up, feed the dogs, water the plants, realize it’s too hot to take the animals (or me) for a walk, so fix something to eat and a pot of coffee. Write a blog post while finishing off the coffee. Post it to Twitter and Facebook, which has inexplicably canceled FaM’s feed.

Then work begins. I park in a leather chair with my feet on an ottoman and a computer on my lap, and the only thing that moves is my fingers. Hour after hour goes by.

By noon or 1 p.m., I haven’t moved in four or five hours. Literally have. not. moved. But the brain has gone numb over the clients’ copy.

Get up and fix lunch. If it’s hot, I go swimming, briefly. Then it’s back to the leather chair with my feet on the ottoman and a computer on my lap. Continue working on client stuff until the dogs start to lobby for their dinner, around 6 or 7 p.m. By now I’ve worked almost nonstop for 14 hours. During that time, I’ve barely moved. I’ve had exactly zero exercise, other than walking to the fridge and pulling out some food.

Is it any wonder I’m getting fat again? The wonder is that I haven’t had an embolism by now.

This has got to stop. I have got to get away from the computer.

Ergo, VACATION starts as of today. For the next seven days, I’m not even touching a damn computer.

To keep Funny alive, we’ll enjoy some old posts from back in the Day when Funny was young and lively and I was employed.

Interestingly a week’s worth of classic FaM posts — the site has been in business since 2007, so there are a LOT of classics — reveals how much brighter my mood was in those halcyoon days. And…some of these posts actually are funny! At one point along the line Funny really WAS funny about money.

So you should enjoy them. And with any luck, a week away from Electronica will mellow your humble writer’s mood some.

Watch this space…starting tomorrow.